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The capital ratio stands at 12.74 per cent, well above the level of
8 per cent stipulated in Section 22 paragraph 1 of the Austrian
Banking Act (
Bankwesengesetz
– BWG). The net margin is 0.57
per cent, the cost–income ratio is 63.17 per cent, the return on
equity is 6.97 per cent and overall profitability is 0.36 per cent.
Capital ratio*
31.12.2013
31.12.2012
31.12.2011
12.74%
11.80%
11.12%
Return on equity*
31.12.2013
31.12.2012
31.12.2011
6.97%
6.86%
6.81%
Net margin*
31.12.2013
31.12.2012
31.12.2011
0.57%
0.61%
0.60%
Overall profitability*
31.12.2013
31.12.2012
31.12.2011
0.36%
0.35%
0.33%
Cost–income ratio*
31.12.2013
31.12.2012
31.12.2011
63.17%
60.92%
59.84%
Financial performance indicators
* Imputable regulatory capital / tax base × 100
* Operating expenses / operating income
* Profit from ordinary activities / mean equity
* Profit from ordinary activities / mean balance sheet total
* Operating profit IV / mean balance sheet total
Non-financial performance indicators
Looking after the region
Unlike a major international bank, we are there for our customers
in the heart of the region. Innovative products, such as the Raiffeisen-
Tyrol regional bond, have been specifically developed to cater for
the needs of local consumers, thus ensuring that money from the
region gets used for the region. Special companies from the
Raiffeisen union round off the range of services on offer, ensuring
we can offer comprehensive, expert advice to private and business
customers alike.
Agenda-setting role within RGBT
Supporting Tyrolean Raiffeisen banks is the founding mission of
RLB Tirol AG, and as such forms a central component of its range
of services. Raiffeisen-Bankengruppe Tirol’s joint strategy for 2017
forms the basis for the services offered, which can be provided
either centrally or, if desired, locally. To ensure a successful
common future, RLB Tirol AG sits on both state and national
boards and committees, using its role as an agenda setter to give
support and impetus for the Tyrolean Raiffeisen banks.
Important sponsor
Alongside its role as a modern provider of banking services, RLB
Tirol AG also has a long tradition of charitable work and educational,
cultural and sports sponsorships in its marketing territory. Examples
include Tiroler Sozialmarkt in Innsbruck (a cut-price grocery market),
Caritas, the Red Cross, the Tyrolean theatre group Tiroler Volks-
schauspiele Telfs, the New Orleans Festival, numerous schools
and sports clubs and many more. The three annual exhibitions
staged by the gallery RLB Kunstbrücke make a major contribution
to the lively Innsbruck and Tyrolean cultural scene, while the RLB
Kunstpreis, an art prize worth 18,000 euros, is an additional
commitment which gives young Tyrolean artists the opportunity to
present their work to a wider public.
Satisfied employees
RLB Tirol AG offers almost 500 employees an attractive, secure
job, while giving due consideration to the reconciliation of working
and family life and promoting occupational health and safety. Em-
ployees can choose from a wide variety of courses and lectures of-
fered in connection with RLB Vital, our in-house health programme.
Regional responsibility
RLB Tirol AG also takes seriously its responsibility to the community
at large. Every two years, the Austrian federal firefighters association
(
Bundesfeuerwehrverband
) presents the award for fire service-
friendly employer. For the first time in 2013, the award went to
the Raiffeisen-Bankengruppe Tirol, which in the form of the 78
Tyrolean Raiffeisen banks and Raiffeisen-Landesbank Tirol AG
makes an important contribution to public safety. The bank’s
policy of releasing employees for firefighting duties contributes
significantly to the effectiveness of this vital service.
Trainee initiative
Together with the Tyrolean Raiffeisen banks, a few years ago RLB
Tirol AG launched a major trainee initiative. Since then, a total of
52 trainees have successfully completed their training with Raiffeisen,
making the project a great success. Eight of these trainees did
their training with Raiffeisen-Landesbank Tirol. The training pro-
gramme sets great store by quality and practical experience, with
trainees thus putting in a total of 4,800 hours in a wide variety of
different departments. Raiffeisen traineeships are offered either
with or without the school-leaving certificate (
Matura
).
The career prospects we offer young people are excellent.
Although most newly qualified staff are assigned directly to
customer service, there is also a demand for specialists in
many different fields, such as controlling, marketing and risk
management.
Career paths
RLB Tirol AG offers individual career paths on both specialist and
management levels, and a wide range of training opportunities
form a further important component of the employee advancement
and development we offer. Alongside our in-house training
courses, employees can also benefit from external educational
establishments, such as the Raiffeisen Campus and Manage-
ment Center Innsbruck (MCI), where courses developed specially
for Raiffeisen are offered. The content of the courses covers all
banking subject areas and also includes personality-building
seminars and training courses, since the skills and dedication
of all our employees make a key contribution to sustained
corporate success.
Management report